Real Estate Weekly | January 15, 2016

RE-Weekly.com REAL ESTATE IN SKAGIT, ISLAND AND WHATCOM COUNTIES

INSIDE RE-Weekly This Issue

Q & A: ASK OUR BROKER P. 4

CREDIT: RECOGNIZING RENTERS WHO MAKE PUNCTUAL PAYMENTS P. 8

SHOULD YOU WAIT ON RATES? FEATURE HOME:

SEE PAGE 3 FOR MORE

P. 9

$559,900 360661-5538

CLASSIFIEDS

826 BELLA VISTA, BURLINGTON Holly Hilts, Brown McMillen Real Estate

P. 1011

RealEstate weekly

A supplement to the Skagit Valley Herald and the Anacortes American

JAN. 15JAN. 21, 2016

Re-Weekly content sponsored by: Northwest Fine Furnishings

Let us help furnish your new home!

(Or existing home).

• Rockers • Custom bookcases • Morris chairs • Table lamps • Sofas

• Bedroom furniture • Love seats • Floor lamps • Dining tables & chairs

9

Q & A: Ask Our Broker

P. 4

Credit: Recognizing renters who make punctual payments

P. 8

Should You Wait on Rates?

P. 9

Classifieds

P. 10-11

RE-Weekly.com

We help make your house a home.

Mon - Sat 9:30-5:30, Sun 11:00-4:00 • (360) 424-8455 www.nwff.com • 919 Riverside Drive, Mount Vernon

PAGE

TABLE OF CONTENTS

SKAGIT PUBLISHING

To advertise in RE-Weekly or other Skagit Publishing publications, Call: 360.416.2180 or Email: ads@skagitads.com ©2016 by Skagit Publishing LLC | All rights reserved.

All real estate advertised in Real Estate Weekly is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation or discrimination.” We will not knowingly accept any advertising which is in violation of the law. All persons are hereby informed that

all dwellings advertised are available on an equal opportunity basis.

For further information call HUD Toll Free at 1-800-669-9777.

All Houses subject to prior changes without notice. Neither advertisers nor Skagit Publishing are responsible for any errors in the ad copy.

Skagit Publishing reserves the right to refuse any advertising, which we deem unsuitable for our

publication.

Unless otherwise noted, all photographs, artwork and ad designs printed are the sole property of Skagit Publishing and may not be duplicated or reprinted without express written permission.

Skagit Publishing is not responsible for typographical or production errors or the accuracy of information provided by advertisers.

Territory NW

Go to our website for a quick and easy way to search all listings!

320 S Burlington Blvd • Burlington www.SkagitValleyRealEstate.com (360) 755-9494 • (800) 775-0153 ND LA NT A C VA

Concrete $85,900 3 BR, 2 BA home with many new updates. New kitchen counter tops & beautiful glass cabinets. Jetted tub & duel sinks. Located on a dead end street. Large .22-acre lot. Excellent view. MLS #859452 Call Mike, 540-1341

Mount Vernon $255,000 2 BR, 1.75 BA rambler. Located in quiet location. Easy commute; minutes from I-5. Outside cellar to store canned goods w/smoker. Maddox Creek runs through the property. Garage w/attached room could be 3rd BR or office. Apple trees & garden spots. MLS #859850 Call Wilma, 661-1631

Wilma Louia Designated Broker/Owner 661-1631

2

Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

Sedro-Woolley $160,000 Charming 2 BR, 1 BA home in established area. Close to downtown Sedro-Woolley and high school. Alley access.

Large lot. Fireplace. Large kitchen. Clean basement MLS #877719.

Call Corinne, 202-2397

Mount Vernon $425,000 Best lot in neighborhood! Private location w/gorgeous mountain views. Excellent floor plan. Family room off kitchen, gas fp., formal living rm & dining rm. Master bedroom feat. lg. 5-piece master bath w/jetted tub & walk-in closet. 3 addl nice sized BRs. Separate laundry rm & attached 2 car garage. Private covered patio w/ spacious back & side yards. MLS #881000 Call Ron, 333-1045

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

05 #1 IT N U

Mount Vernon $200,000 Completed soil evaluation. PUD water & PSE available. ¾ acre building site. 2 miles east of I-5. Property adjacent to Lake 16. Conway school district. 10 seconds to boat launch. MLS #849169 Call Kirk, 770-7470

W NE

Mount Vernon $219,500 Fabulous one owner condo built in 2001. One story – no steps!! Open floor plan w/large kitchen. 2 BR, 1.75 BA, gas heat. Deck w/Northerly views. Attached 2 car finished garage. MLS #880293 Call Ivana, 770-3550

G TIN LIS

Mount Vernon $239,500 Wonderful home located at the end of a cul-de-sac. 4 BR, 2 BA, 2105 SF. Large sunny family room. Terrific yard w/nice garden area. Great deck for enjoying the sunshine. Updated roof, windows & siding.

MLS #883307 Call Elizabeth, 708-8800

Are you in need of a Property Manager?

Sedro-Woolley $360,000 Updated home with open floor plan. 3 BR, 1.75 BA. New furnace, newer windows & roof. Two barns. Pasture cross fenced for horses & all other livestock. 20 x 50 greenhouse with power & water. MLS #840870 Call Jim, 708-1681

Ivana Wood 770-3550

Mike Welling 540-1341

Debbie Benjamin 708-8780

RE-Weekly.com

Bellingham $1,999,000 Lake Samish waterfront home. Well-cared for, built in 2002. 1867 sq. ft., 3 BR, 1 ¾ baths. Lg. open kitchen w/ granite counters. Bulkhead, dock, westerly view. Tankless water heater, F.S. propane stove. MLS #769355 Call Charlie, 708-1415 or Jeannie, 708-9645

Corinne Cartwright 202-2397

Maggie deSouza 610-8413

Ayla Contois 610-1652

Jennifer Baker 220-1526

CALL US TODAY at 360-755-5555!

Willa Gilquist 253-318-6131

Steph Vervaart 755-5555

Traci Erickson Property Manager 755-5555

January 15, 2016

SANDI RILEY 770-8670

North Homes Realty Inc. 723 SHELTER BAY DRIVE, LA CONNER

FEATURE HOME FROM COVER:

$175,000

Sandi Riley 770-8670

1116 SHULER AVE., BURLINGTON $189,500 D

E AT TIV MO

1030 E. FAIRHAVEN AVE., BURLINGTON $375,000 W

NE

ICE

PR

OPEN HOUSE SAT & SUN 12-2PM AMY WICKENHAGEN 360.630.9479

SANDI RILEY 770-8670

SANDI RILEY 770-8670

• CUTE & COZY 2 BD 1 BATH HOME ON PARK LIKE WOODED LOT • VAULTED CEILINGS, WOOD FLOORS, METAL ROOF, DECKS OFF LIVING AREAS • AFFORDABLE “STARTER/INVESTMENT” OPPORTUNITY, CLOSE TO HISTORIC “OLD TOWN” OF LA CONNER!

• CUTE & COZY 3 BEDROOM 1 BATH CEDAR RAMBLER • LG. FENCED BACK YARD, NEWER COMP. ROOF, WOOD STOVE • CLOSE TO 2 CITY PARKS & “UMBARGER SCHOOL”, QUIET CUL DE SAC!

• SOLID 3,000+ SQ. FT. MEDICAL OFFICE BUILDING ON 3 LOTS • ZONED COMMERCIAL & RESIDENTIAL, “ADDITIONAL 3 LOTS AVAIL.” • CITY APPROVED TOWNHOME “SITE PLAN”, CALL FOR DETAILS!

2725 E. FIR ST, MOUNT VERNON

$39,500 UN

IT

+

55

#3

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SANDI RILEY 770-8670 • HANDICAP ACCESS, UPDATED 3 BEDROOM, 2 BATH W/ WOODED GREENBELT BEHIND! • OPEN PLAN W/LG. LIVING/ DINING ROOM, BIG KITCHEN W/ADJOINING FAMILY ROOM •GAS HEAT, NEW A/C COVERED PORCH, “ESTATE SALE”, MOTIVATED SELLER!

4926 NEW WOODS PLACE, “EAGLEMONT” M.V. $379,900

2725 E. FIR ST. “PARK VILLAGE” MT. VERNON

$44,500

UN

IT

+

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#1

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22430 CRIDDLE LANE, “BIG LAKE AREA”, MT. VERNON $279,500 ++

CY

IVA

PR

SANDI RILEY 770-8670

SANDI RILEY 770-8670

• ROOMY 2 BEDROOM, 2 BATH UPGRADED “PARK” BEAUTY • LARGE FAMILY ROOM W/GAS STOVE, FINISHED SUN-ROOM/PORCH • NEWER CARPETING & VINYL WINDOWS,LG. COVERED DECK & SHOP

• 4.78 ACRES W/SOME MTN. VIEW, LOADED W/PRIVACY! • HUGE 3500+ SQ, FT. HOME W/NEWER ADDITION • 3 BD., 2.75 BA., 2 FAMILY ROOMS, BONUS RM., REC ROOM & MORE!

849 BURLINGAME RD, M.V.

3719 SWAN RD, M.V.

$324,000

$474,000

SOLD

SOLD

SOLD

SANDI RILEY 770-8670

SANDI RILEY 770-8670

SANDI RILEY 770-8670

January 15, 2016

826 BELLA VISTA, BURLINGTON

RE-Weekly.com

$559,900

Brown McMillen Real Estate Address Mount Vernon, WA 360.424.4901 www.WindermereSkagit.com

Holly Hilts 360-661-5538

Superb craftsmanship that has been meticulously maintained and then add the most amazing views in Skagit County from most every room! All that you would expect and more!

Open concept with attention to detail throughout this fabulous 4000+ home. Beautiful travertine tile floors, granite, radiant heat, ceiling detail, built-in hidden sound system, central vac, outstanding master suite, large office with builtins, beautifully landscaped with irrigation system, lighting, water feature, patios and decks to enjoy!

MLS #873073

3

Q& A

How to Be A Lender

The final rule from the CFPB says the loan originator rule does not apply to a “natural person, estate, or trust provides seller financing for the sale of only one property in any 12-month period to purchasers of such property, which is owned by the natural person, estate, or trust and I’m selling a house and want to take-back serves as security for the financing.” However, financing from a residential buyer. This makes there are some twists. For instance: me a lender. As a “lender,” do I need a license and • The loan must not allow negative must I meet the Dodd-Frank standards? amortization.

• The financing has a fixed rate or an adjustable rate that is adjustable after five or more years, subject to reasonable annual and lifetime According to the Consumer Financial Protection limitations on interest rate increases.

Bureau, a “loan originator” is a “person who, in • If the financing agreement has an adjustable expectation of direct or indirect compensation rate, the rate is determined by the addition or other monetary gain or for direct or indirect of a margin to an index rate and is subject to compensation or other monetary gain, reasonable rate adjustment limitations. The performs any of the following activities: takes an index the adjustable rate is based on is a widely application, offers, arranges, assists a consumer available index, such as indices for U.S. Treasury in obtaining or applying to obtain, negotiates, securities. or otherwise obtains or makes an extension of • The ability-to-pay rule does not apply. You do consumer credit for another person.” not have to get a formal loan application from This sure sounds like a definition that includes the buyer or verify income or credit, though that a home seller who takes back a mortgage and would be prudent. therefore needs a license or registration, but the • The person has not constructed, or acted as a good news is that most home sellers – but not all contractor for the construction of, a residence on – are excluded from the rule. the property in the ordinary course of business of

Question:

Answer:

ASK OUR BROKER

By Peter G. Miller

the person.

However, the reality is that if you are taking back a loan from the sale of your residence you have every reason to act like a lender. That means getting the documents necessary to assure that the borrower has the capacity and credit history to repay the loan, having the right documents for your jurisdiction, having documents in a form that is satisfactory to you, properly recording the debt, etc. There are many complexities lurking in this process – perhaps including state and local rules – and for this reason you should not agree to take back financing without first getting the assistance and approval of an experienced attorney who handles real estate matters.

You may be far better off requiring the buyer to finance the transaction through a mortgage lender. If the borrower cannot qualify for such financing then maybe taking back a loan for such a purchaser is not such a good idea.

Now could be the time to sell a new home and earn a slice of the real estate pie.

Record-low interest rates and record-low housing prices are renewing interest in the floundering housing market for many people.

“When sellers are interviewing real estate agents to market their homes, their primary focus is usually on the advertising that the agent will offer them,” says Jessica Goodbody of Weichert Realtors.

Let us help you meet your marketing goals by advertising your listings in Real Estate Weekly.

Call 360.416.2180 Today!

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January 15, 2016

STAT GRASS APPEAL

62 Percentage of homeowners who say their lawn influenced their homebuying decision

Source: Harris Poll of 2,039 U.S. adults on behalf of Briggs & Stratton Corp.

360.757.6013 800.869.7084

Brown McMillen Real Estate

w w w. b r o w n m c m i l l e n . c o m • 235 W. Rio Vista Avenue, Burlington

BURLINGTON PARK… excellent 1109 sf 2 Br.,2 Ba., Markette home. Central air, gas heat, big living rm., + a 2 car garage. All appl., stay. 55+ park $90,000. #880695

2 DUPLEXES… in excellent condition in very convenient quiet location on Mt. Vernon hill. All units have 2 Br., & 1 Ba., Buy both or pick one. Each priced at $269,000. #814332

GREEN ACRES LIVING… 3 Br.,1.75 Ba., in the country, yet close to town. Lg fully fenced backyard w/room to play. $249,500. #860474

HAVE IT ALL… this 4 bedroom home has a family room, bonus room & office plus a 3 car garage, all on a shy 1 acre lot in excellent Burlington location. Priced at $545,000. #844468 NICELY SECLUDED… 4 Br., 2 Ba., Rambler surrounded by beautiful evergreen trees on an 1.67 acre lot near Sedro Woolley. $298,500. #824068 DUPLEX INVESTMENT… 2 units for your retirement account in Burlington. 3 Br and one smaller efficiency unit.

Always rented. $207,000 #733489 MOUNT VERNON RAMBLER… 2 Br., Rambler w/hardwood floors, corner lot off 15th & Section. Won’t last long! $179,950. #858924

COMMERCIAL SITE… in excellent Mount Vernon location, paved street w/all utilities available and drainage installed. $437,000 #676549 BURLINGTON PROFESSIONAL BLD… 1579 sf bldg in great Burlington location. Currently a dental office, great layout for variety of businesses.Adjoining lot available. $285,000. #733399 LARGE MOUNT VERNON LOT!… edge of town living off Francis Rd., .32 ac lot has Sound and Island views to enjoy with your new home. $78,000. #709836 GREAT 1ST STREET COMMERCIAL LOCATION… in Mt Vernon, 2 story bldg. In excellent condition. Separate entrances allow multiple tenants extra storage space. $430,000. #658726

CORNER LOT… t4.34 acre lot located in a peaceful area, corner of Parson Creek Rd., and Hatley Ln. Come build your home. $99,500. #805234 LAKE CAVANAUGH… no bank waterfront.. Gorgeous views from charming home beautiful wood floors, wood vaulted ceilings. Spacious kitchen, lg deck, outdoor frpl & your own dock. $725,000. #810568 BUILD YOUR DREAM HOME… gently sloped 1.7 acre lot w/lake & mtn views. Choose your plans & build. Utilities in street. $120,000. #700679 NEW PRICE! ATTENTION BUILDERS… We have 31 lots available with all utilities stubbed to each lot. Beautiful setting near Big Lake, priced from $84,000-$145,000. #746424 thru # 746695

Jodi Dynes Terri Heyntsen Holly Hilts

January 15, 2016

333-7783 391-0938 661-5538

Galen Kindred Jeff Ingman Shelah Inman

770-7083 202-2859 661-0145

Tim Reichert Fritz Inman David Parsons

391-5587 661-0147 391-4008

RE-Weekly.com

COMMERCIAL ZONED LOT w/ 1500 sf shop, great for small business, reception area, 1/2 bath work space w/ 12X12 door, 3 phase power & room to expand. Great location,$275,000. #851808 BURLINGTON RAMBLER… Like new, 2 Br., 1.75 Ba, 1130 sf home, good floor plan w/laundry room, gas f/place & patio. Close to schools & shopping. $209,900. #831438 PRIVATE PARK SETTING… nicely updated mfg home on 6.76 ac. 1 3/4 baths, newer kitchen, all appl., , dining area w/skylights, & slider to covered deck. Detached garage & shop $245,000. #880879 GREAT LOCATION… Townhome style condo convenient to shopping, & 1-5. 2 mstr suites, spacious living room adjoins kitchen & dining area. Lg 2 car garage & storage. #853301. $184,500 LEVEL 4 ACRE PARCEL… zoned Multi-family within the City of Mt. Vernon. Potential for various housing development, close to college, schools & medical. NEW PRICE!!$130,000. #693883

Ron Wortham 661-1500 Mary Jo Reitsma 770-6013 Kristen Tuttle 708-8392

Travis Lohman Tod LeHecka Jan Scally

661-4533 333-1032 421-5160

5

www.WindermereSkagit.com RESIDENTIAL

VACANT LAND NEW!

2610 E. Section St #82, MV $47,500 A Marlette home with great potential in the very popular Little Mountain Estates. Light, bright & airy this home boasts spacious rooms with a wonderful floor plan. Very nice family/den off the living room.

The den could be a 3rd bedroom. Very nice back patio with mature landscaping. Call Sarah Minton, 770-3076 #819879

16442 Fir Island Rd, MV $409,500 Charming 4 bedroom farmhouse on 2+ acres with beautiful barn & quaint 1 bed, 1 bath 750 SF rented cottage. House boasts hardwood floors, great country kitchen, & spacious living room, classic dining room with gas fireplace. Huge back deck & garden shed/ studio. Call Sarah Minton, 770-3076 #742313

$108 15939 State Route 9, MV Nice view property. Great location the property h well with the Department of Ecology tag on it. It w put in, in 2002, but the county will not issue a per for construction due to building moratorium. Nic recreational property.

Call April Axthelm, 661-4947 #784662

10934 Samish Island Rd, Bow $529,000 South facing Samish Island Beach house just steps to the water’s edge. Great island getaway with 2 bed, 1 bath, walls of glass, expansive decks for entertaining, spa, and boat house/artist studio.

Call Bill or Jannette Krieger, 421-4446 #869404

Patricia Lane, Burl $119 Build your dream home in the Skagit Golf & Coun Club! Nice level building site with all utilities at th street. Quiet cul-de-sac location, does not back to golf course. Many large mature trees. One of the if not the last remaining lot in the Country Club.

Call Bill or Jannette Krieger, 421-4446 #825208

DOUBLE TRUCK

41621 North Shore Dr, Concrete $79,000 Beautiful riverfront property with 150’ of waterfront.

Older single wide with large deck is perfect for your weekend get-a-way. Enjoy fishing from your own property & in the evening enjoy the fire pit while watching the river roll by.

Call Becky Elde, 770-9427 #831307

1119 N. Waugh Rd, MV $318,500 Sharp 4 bed, 3 bath home features a great floor plan & is located in a nice, quiet neighborhood. Kitchen opens to living room featuring a gas fireplace. Formal dining room, large kitchem w/stainless appliances, upgraded counters, tons of cabinets & large island.

Call Sarah Minton, 770-3076 #881400

We’re full-time, professional Realtors.

This is all we do. And we do it very well.

422 Jameson St, SW $155,000 Cute Fannie Mae owned home with new paint, carpet & deck, some fencing is also new. 1.5 story home with 3 beds, 1 bath. Some original flooring. Nice back yard has an outbuilding & nice deck. Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 #831267 17360 Bennett Rd, MV $189,950 Cute, clean & charming, this 2 bedroom cottage is conveniently located to just about everything.

Gorgeous, fully fenced & landscaped yard includes a small koi pond, large greenhouse/shed, chicken coop, raised garden beds, & mature plants. Inside, original oak floors & coved ceilings. Lots of built-in storage. Call Megan O’Bryan, 708-5817 #853770 210 Garden of Eden Rd, SW $219,000 3 bedroom, 1.75 bath home, close to town, hospital & schools. This home has an additional parcel that is a buildable lot per the city. The back yard is huge & could be subdivided for additional building site.

Home has open floor plan. Kitchen with eating bar & dining room. Parking for your toys or RV. Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 #834053 49 Willow Lane, MV $285,000 Multi-tenant income producing property on Willow Lane in Mount Vernon. Live in one unit and create a stream of income with the other two units. Or enjoy the income of all the units.

Call April Axthelm, 661-4947 #784134

507 N. 1st St, MV $324,000 Remodeled triplex located close to downtown, shopping & medical district, easy freeway access.

Each unit is 2 beds, 1 bath. Open floor plans, light & bright, kitchen w/ breakfast bar & eating area. Lower level has an add’l 500+ SF of space. 4 private storage spaces. Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 #827196 NEW!

2400 N. Laventure Rd, MV $380,000 Great Buy! This property is beautiful and large.

Located inside the city, but very private at the end of a long driveway, this 2.2 acre property has large trees, open space and lots of room to play. Home has 4 bedrooms. Call April Axthelm, 661-4947 #883055 11369 Foxfire Lane, SW $399,000 Beautiful home in a nice secluded area. Hardwood floors, large kitchen is open to the dining area. Gazebo has cozy fire pit & power. Stone fireplace & pellet stove to keep you warm in the winter. Vaulted ceilings & large windows make this home light & bright. Oversized 3 car garage. RV hook ups, 200 AMP panel for future shop. Call Becky Elde, 770-9427 #724109

9674 Samish Island Rd $699,990 Incredible property! 157 ft of medium bank waterfront. Almost an acre & it includes a darling duplex.

Each unit is 1 bed, 1 bath. They have a nice shared laundry room with storage for each unit. Views from the property are amazing.

Call Sarah Minton, 770-3076 #804056 5798 Cedar Dr, Bow $710,000 Beautiful 4,000+ SF home sits at the end of a private road on well-manicured grounds. This home has an open floor plan, with a tremendous kitchen built to entertain. Full finished day light basement & is equipped with large decks & patios perfect for entertaining. Come enjoy this peaceful & private home. Call Jake Koetje, 466-8045 #778282 10219 Halloran Rd, Bow $960,000 Secluded 3.74 acres & 200 ft of waterfront including tidelands. Gorgeous view of Samish Bay & Mt. Baker.

4 bedroom, 4766 SF house is full of island charm.

With a 2 bedroom, 2 bath guest house, garage with workshop & a barn. Wooded area with over 65 rhododendrons. Call George Bellos, 708-9762 #827126 14259 Beaver Lake Rd, MV $1,198,000 Beautiful 82.5 acre income producing hay farm. Wellkept 2 story home with large rooms. 2 barns with additional 24X36 shop. Large fertile garden with fruit trees, berries, & grapes. PUD water plus water rights.

Don’t want to farm? Land lease is possible. Additional 35 acres of rental ground available. Close to town yet peaceful country living.

Call Becky Elde, 770-9427 #875005 13278 Starvation Ridge, MV $1,249,500 Bay View home situated on 2.5 acres. 3800+ SF. of luxurious living space. 2 master suites. Designer kitchen with stainless appliances, double ovens, granite counters, & spacious island. Dining area with Bay & Olympic Mountain views. Lg Media, bonus room with .5 bath. Outdoor living area with a fireplace & wet bar. 44X32 attached RV garage. Call Linda Eastman, 202-4075 #855676

E. Rector Rd, MV $150 Great Bay View location. Completed soil logs, som marketable timber, power at the road, letter from Dept. of Ecology on file with Skagit County Plann allowing a drilled well. Beautiful building site with privacy. Corners are marked. approx. 4 miles to Imiles to Bay View State Park.

Call Linda Eastman, 202-4075 #775730

Cascade View Drive, MV $350 Breathtaking views from this one of a kind lot in C cade Ridge! Ready for you to build your dream ho this 1 acre lot is fully cleared with utilities in stree Located in Conway School District & just minutes from I-5, amenities, & schools. Picturesque views overlooking Skagit Valley, Olympic Mountains, tu fields, & San Juan Islands. One of the few lots left this exclusive development.

Call Shelby Hagman, 982-0163 #869807

5293 Island View Way, Bow $42 View Samish Bay, Padilla Bay, islands, brilliant sun & picturesque farmlands from this 5 acre building Quick access to I-5 & Chuckanut Drive for any ea commute north or south. Located in a neighborh of newer homes. Includes a drilled well. Last avai 5 acre lot. Call Warren Bingham, 770-2421 #812976

Accountability Matters at Call Amie Ma

NMLS ID# 404665 | WA-CL 713524 Branch Manager / Mortgage Consultant Windermere Mortgage Services Series LLC/Skagit Vall

Windermere Real Estate/Skagit Valley • 1030 East College Way • Mount Vernon • (360) 424-4901 • 1-800-849-7939

April Axthelm Balisa Koetje Becky Elde Bette Thompson Bill Krieger Dave Patterson David Mani

6

360-661-4947 360-421-4111 360-770-9427 360-840-5109 360-421-4446 360-708-5030 425-319-7091

Deborah McNeal Dick Nord Don Neill Donna Rowell Elizabeth Miller George Bellos Geri Cole

360-707-8073 360-661-6529 360-420-4444 360-708-7984 360-420-3607 360-708-9762 360-391-1614

Harry Ota 360-708-3500 Hollie Del Vecchio 360-525-5538 Jake Koetje 360-466-8045 Jamie Yantis 360-540-5264 Jannette Krieger 360-708-0233 Jim Glackin 360-428-2828 Jim Koetje 360-202-2500

Josh Scott Karen Beckner Karine Anderson Linda Eastman Margy Furst Megan O’Bryan Nathan Loeb

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360-708-1010 360-840-9455 360-421-1189 360-202-4075 360-488-3458 360-708-5817 360-333-7197

Rita Ingram Sarah Minton Shawn Danley Shelby Hagman Sherry Johansen Spencer Roozen

360-708-8338 360-770-3076 360-488-3858 360-982-0163 360-708-3636 360-708-0634

Tahlia Honea Tasha Zahlis Tiffany Danley Travis Miller Warren Bingham

360-333-5815 360-391-5075 360-298-4857 360-420-7291 360-770-2421

December 15, 2

www.AnacortesRealEstate.c RESIDENTIAL

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1907 29TH PL, ANACORTES

NEW!

3411 H AVE, ANACORTES

$515,000

Come enjoy this well-crafted home. Views of Fidalgo Bay and Mt. Baker. Close to town and schools. This home offers you 2556 sq ft of charm, warmth and great living spaces. Large master suite with a gourmet bath, 3 additional bedrooms, 2 1/2 baths, butlers’ pantry, formal living and dining and open living from kitchen to family room. Heat pump for the warm days in the NW and on demand hot water.

Gina Davis 360.708.7794 MLS# 881021

62 ELIZA ISL, BELLINGHAM

NEW!

$335,000

1690 Sq. Ft, 3 bdrm 2.5 bth has terrific upgrades! Nw kitchen with ss appliances, completely remodeled master bath & top of the line gas fireplace to provide a warm and cozy feel. The huge back yard has it all!! Beautifully laid out garden space, fruit trees(6), chicken coop, large dog run & wood shed like a little Eden right in town. It doesn’t end there! New electrical, lighting & mostly new windows. Must see with a peekaboo view/Guemes Channel & access to the Cranberry Lake trail system.

Kristi Gabrielse 360.420.3119 MLS# 876854

t Windermere Mortgage Services ani at (425) 268-7995

2320 SUNDOWN CT #302, ANACORTES

$999,900

This top floor unit offers the ultimate in condominium living! Single level w/an open floor plan, making the most of the outstanding views of Rosario Strait.

Large master bedroom with 19’ long walk-in closet that opens to the utility room, 2nd BR ensuite, den w/ fireplace, 3-sided fireplace in great room, gourmet kitchen w/SS appliances, large storage & workshop in secured garage; 2 parking stalls. All this surrounded by forest & incredible views!

Vickie Cooley 206.949.1010 MLS# 880592 NEW!

3320 OAKES AVE, ANACORTES

17835 DUNBAR RD, MOUNT VERNON

$1,299,000

This fantastic remodeled waterfront home overlooking the Guemes Channel has 180 degree view of islands & Mt. Baker. Home is equipped with high end appliances, has a concrete deck & abundance of parking including room for an RV or large boat.

Breathtaking views & spacious lot gives waterfront living a new meaning.

Bill Robillard 360.770.4707 MLS# 882708

$78,000

A picturesque marina tucked into the Old Town neighborhood. 40’x15’ (Approx.) slip with power & dock box. Marina amenities include; tender storage area, small boat moorage on dock, head pump out cart, wood shop, recycling for oil, fuel & anti freeze, laundry room, library, restrooms with showers, crab cooking station and a social area with BBQ’s.

Full parameter fence, electronic gate for security & harbormaster lives on site. Live aboard allowed for owners.

Kathy Rogers 360.941.4400 MLS# 852617

12838 Marine Dr, Anacortes A MILLION dollar view for less than 1/2 pric bank waterfront with 180 degree views of B Bay, Straits, Olympics and the lights of Victo Adorable cabin feel for the weekend getaw your deck on a warm sunny day or the cove when it’s blustery. Detached studio is perfe overnight guest or office space. Once in a li gem. Great for the summer get aways or vac in the San Juans or a full time residence. Be Gina Davis 360.708.7794 ML

3407 H Ave, Anacortes Wonderful home w/ room for everyone. Gr areas from floor to ceiling. Lg picture windo looking Fidalgo Bay and Mt. Baker. Perfect l town, schools and Whidbey Island. Upstairs oversized kitchen eating area with beautifu travertine floors and a door going to deck f side entertaining. Mstr bdrm w/ fp, jetted tu & office on main level. Lower lever has a me wet bar, fam rm and 2 bdrms with outside a the back yard.

Gina Davis 360.708.7794 ML

Looking for a Rental? www.rentalswpm.com

7129 COUGAR GAP, GLACIER

$329,000

BRING YOUR SKIS!! Fabulous well maintained 3 bedroom 1 3/4 bath home nestled in the trees at the end of the cul-de-sac in the desirable gated community of Snowline. This home has a flowing floor plan with 3 floors perfect for a large gatherings. Main floor features open kitchen, living and dining room with free standing stove to keep cozy on those winter nights!

Snowline amenities include club house, swimming pool, tennis courts, hot tub, sports arena, play area & full time security/manager.

Rebecca Chamberlain 360.421.5021 MLS# 842281 1318 Erie Ave, Anacortes $319,900 This is a must see! Fully renovated & move in ready on corner lot. Views of Guemes Channel and Cypress Island. Brand new electrical, plumbing, windows, deck & bathrooms. New kitchen with granite countertops, soft close cabinets & walk in pantry. New insulation in crawl space. HUGE living room with FP. 3 BR’s on main level and 1 on upper. Bonus room off dining can be used as den, office, playroom, etc.

Trendy sliding barn door on utility room. Oversized parking area for boat and/or RV. Lindi Kudlacek 713.822.9203 MLS# 833287

ey

2015

$410,000

Excellent triplex located in a rural area of Mount Vernon. All units offer spacious floor plans with separate entries and great ambient light. Two of the three units have been remodeled including faux finish paint, laminate flooring, custom cabinetry and tile work. The expansive front and back yards offer mature landscaping adding privacy and beauty to the surrounding environment. Great investment opportunity and well maintained. Each unit offers 2 bedrooms, 1 bath, and 1 car garage.

Rob Skelton 360.488.3776 MLS# 849591

1600 5TH ST #D-133, ANACORTES

$300,000

Have you dreamed of being a part of a private island community? Now you can. Own your own getaway retreat or full time residence with 100 ft of high bank waterfront, private beaches, an air strip, island care taker, dock and well built home. Home is hand crafted with cedar wood siding and pine walls inside, picture windows to highlight your expansive view, 3 bedrooms, 1.5 baths and a work shop. Low maintenance landscaping and a warm welcoming island feel It’s a piece of heaven.

Gina Davis 360.708.7794 MLS# 709594

3419 WEST 4TH ST, ANACORTES

$569,000

Exquisite Pleasant View home poised against a forested preservation backdrop. 3,060 sq ft of custom designed finishes include layers of molding, cherry wood floors, granite throughout, grand master w/ retreat space & king size bathroom. Large living spaces, oversized den/office, cozy fireplace in living room, formal dining, delightful kitchen w/eating bar & access to the fabulous backyard space. Charming garden shed & space for all your outdoor activities.

Colleen Craig 360.770.9638 MLS# 854198

812 S. Whatcom St #108, La Conner Charming, secluded condo, lovely territoria in historic La Conner. Recently updated, thi condo screams charm from its architecture vate setting. Enter to dramatic fire-lit living r ing ceilings & window seat to enjoy the sere Lrg open Kitchen w/new appliances & lots o space, breakfast bar & storage. Main floor b also serve as den/office/studio. Remodeled bath. Master w/extra lrg closets & remodele New view deck off mstr.

Leigh Zwicker 360.333.9975 M NEW!

2702 Commercial Ave, Anacortes Zoned commercial & located on the main s tral city location, prior to the San Juan Ferry route, the visibility doesn’t get any better. 8 spots & an existing building give this prope potential.

Bill Robillard 360.770.4707 ML

Windermere Real Estate/Anacortes Properties • 3018 Commercial Ave • Anacortes • (360) 293-8008 • (800) 327-5291 Bill Robillard 360-770-4707 Buzz Ely 360-202-4626 Caroline Baumann 360-202-7327 Catherine Mers 360-982-6831 Christine Cleland-McGrath 360-708-0267 Cheryl Frazier 360-202-4789

December 15, 2015

Colleen Craig Colleen Sargent Cynthia Aanestad Debbie Macy Gina Davis Jack Dixon

360-770-9638 360-202-2155 360-610-0120 360-391-2422 360-708-7794 360-941-5000

Jackie Stone Jessica Notaro Joan Handelmann John Prosser Judy Moore Kathy Rogers

360-661-2247 360-202-1441 360-202-4800 360-202-3891 360-770-3515 360-941-4400

Kristi Gabrielse Leigh Zwicker Linda Macy Lindi Kudlacek Margi Houghton

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360-420-3119 360-333-9975 360-708-8284 713-822-9203 360-202-0041

Nate Scott Paul Necco Paul Weisz Rebecca Chamberlain Rick Bennett

360-708-2354 360-770-5989 360-391-7281 360-421-5021 360-202-2630

Rob Skelton Sarah Jones Vicki Cooley

36 3 2

Credit

Recognizing renters who make punctual payments Rent payments now are being added to credit reports, benefiting timely paying tenants when they go to buy a home

A

record 43 million households rent, rather than own. Many of them aren’t getting the credit they deserve, but some businesses are aiming to change that.

Reports on whether renters make timely payments to their landlord typically aren’t sent to credit bureaus, but mortgage payment histories are captured. This puts renters who aspire to get a mortgage to buy a home, or even just acquire a credit card, at a disadvantage, since the approval and cost of credit is influenced by a consumer’s history of bill paying.

In fact, the FICO credit score, widely used by mortgage lenders, began incorporating rental data in its newest version, FICO Score 9, when it released in the fall of 2014. Many mortgage lenders, however, still be use older versions, which do not collect rental data.

“FICO strongly supports the incorporation of rental information into the credit file, but the simple fact is that rental data is rare in the credit file today,” says Christina Goethe, a FICO spokeswoman.

8

“Right now, it is typically medium- to large-size property management firms that are reporting,” observes Ben Hyatt, of RentTrack, a service that enables rent reporting.

Yet a number of large rental firms still don’t report, and independent landlords are difficult to reach, say experts.

Still, landlords and renters make timely payments both benefit from reporting. “Currently we pay extra with our credit companies to search landlord/tenant records for rent judgments because it is the only way we can find out about delinquent rent payments,” notes Cindy Clare, president of Kettler Management, an apartment management firm.

At least three firms – RentTrack, ClearNow and PayYourRent – operate websites enabling tenants to make electronic rent payments, with reporting to some or all of the credit bureaus, notes Emily Christiansen of Experian RentBureau. Tenants can ask their landlords to accept payments through these services to build their payment history.

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January 15, 2016

Should You Wait on Rates?

Following Years of inactivity, the Federal Reserve raised interest rates just slightly at the end of 2015. Here’s what that means for mortgages in the coming year

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he wait has ended: In December, for the first time since 2006, the Federal Reserve slightly hiked interest rates slightly – a quarter-point increase in its target funds rate, to be exact, with the central bank expected to gradually inch rates up in the months ahead. Now, a new wait begins and new questions arise: How long before mortgage interest rates correspondingly creep up higher, and how much longer can prospective borrowers afford to delay their decision to purchase a home, if they’re on the fence?

First, it’s important to understand that, while the Fed’s interest rate increase can directly affect the availability of credit and lead to rate increases for credit cards, home equity lines of credit, and auto loans, it may have less of an impact on mortgage rates – at least not right away.

Nevertheless, mortgage rates continue to inch slightly upward: Data released by Freddie Mac on New Year’s Eve showed that in the last week of December 2015, the 30-year fixed-rate climbed from 3.96 percent to 4.01 percent (compared to 3.87 percent the previous year), while the 15-year fixed-rate went from 3.22 percent to 3.24 percent (versus 3.15 percent one year prior). Those may not seem like steep climbs, but they indicate that, indeed, mortgage rates rising. And experts expect more of the same to continue in 2016.

“When the Fed announced its rate increase, there was very little immediate impact to mortgage rates, which had already inched higher in the weeks before the Fed’s announcement,” says Kelly Hager, CEO of Kelly Hager Group Real Estate Services in Chesterfield, Missouri. “However, mortgage rates will gradually increase through the year in 2016, with most analysts stating we should reach 4.5 percent (on a 30-year fixed-rate) by the end of the year.”

Ken Maes, vice president of Skyline Home Loans NW in Portland, Oregon, anticipates mortgage rates actually going as high as 4.75 percent in 2016.

“But that will not be enough to slow the housing recovery,” Maes says. “Economic fundamentals remain weak, with 94 million out of the work force, wages stagnant and high-paying

January 15, 2016

jobs still tough to find. Rates will remain relatively low until real job creation takes place.”

Trying to perfectly time your purchase based on rate predictions, however, can be a tricky prospect. Although homebuyer candidates probably shouldn’t expect mortgage rates to dip lower, that doesn’t necessarily mean they should rush into a buying/borrowing decision before rates go any higher.

“Homebuyers should never buy because rates are low or moving up. It’s all about affordability and being able to make the payment for years to come,” says Ali Vafai, president of The Money Source, a lending company in Melville, New York. “Buy a home when you’re ready. It doesn’t matter what rates are doing – if you can’t afford to buy and keep your home, you should wait until you can.”

Brian Koss, executive vice president of the Mortgage Network in Danvers, Massachusetts, agrees.

“Consumers shouldn’t look at the Fed’s moves as guidance about what decision they should make on choosing rates,” Koss says. “You should make the move because the math works for you, not because of any prediction about where rates are headed.

“If the payment works, lock the rate in,” he adds.

However, if you currently own a home and are considering refinancing your mortgage, you may want to pull the trigger sooner instead of later, particularly if you can reduce the term of your mortgage from 30 years to 20 or 15, says Brian Krebs, president of Peachtree Home Loans in Alpharetta, Georgia.

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CLASSIFIEDS

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1 - 4 Bdrm Rentals.

Piazza Realty Property Mgmt., Inc. 360-424-RENT (7368) www.prpmrentals.com Quiet Country Cottage Avon Allen Road. 2 bdrm, 1 bath, garage. Water & yard maintenance included. No pets, no smoking, references required. $1395/mo.

360-424-0407 S-W north, like new 2 Bdrm, 1 Ba home on 5 acres, $975/mo. Too many amenities to list. Call for details, (360) 333-4771.

Saturday's Peek Inside Open House, 1-4pm

5716 Sugarloaf, Anacortes, $360,000 View this outstanding home purchase. Big House, big fenced corner yard, 3 bedrooms, living room with water view, ground floor family room. MLS#836568 Jones Atterberry John L Scott RE 360-708-8935 jonesatterberry@hotmail.com

MV Nice 2 bdrm 1 他 bath, garage, W/S/G paid. No pets/smoking, $950 a mo. $900 dep., background check.

(360) 610-9860 LVMSG.

BUILDINGS, INC. Great Ski week in Whistler.

Large Studio in main village. Feb 19-26. $500 for the week. (360) 757-3905

10 10- January 15, 2016

TRUSTED LOCAL Construction Roofing Gutters www.spane.com

800-310-2136

Lic#SPANEBI141JD

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CLASSIFIEDS

ESTATE January 15,WEEKLY 2016 RE-Weekly.com mREAL

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January 15, 2016 11 - 11

Danya Wolf ............ 360.708.8294 Suzanne Jenkins..... 360.941.2983 Sandy Everett ........ 360.202.3706 JoAnn Boudreau .... 360.391.0746 Donna Kurras ......... 360.770.7596

18580 BLACKBERRY LANE, MOUNT VERNON

$1,500/MO

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1802 BAKERVIEW CT, MOUNT VERNON

$129,000 1804 BAKERVIEW CT, MOUNT VERNON

Celia Miller............. 360.391.6065

John Hunter ........... 360.202.3854

Brett Tacker ........... 360.840.7931

Shirley Bertholf ...... 360.840.1863

Russ Lanker ............ 360.708.1117

Carla Fischer .......... 360.982.0010

Patricia Box ............ 360.941-9186

13062 GLENWOOD DRIVE, CLEARLAKE

$269,000 4605 BEAVER POND DRIVE EAGLEMONT

$649,000

Call to see your home listed here!

1-CAR GARAGE

Immaculate 3 bed/2 full baths, 1830 sq ft home with beautiful kitchen and attention to detail. Large deck off back w/territorial view. All rooms and entrance are on 1 level, with lg utility room and all appliances. Forced air heating, septic and window coverings. 1 year lease/Pets on approval with non-refundable fee. Background/ Credit check $52 for each adult 18 years and above. First, last and deposit.

Elva Hunter ............ 360.202.3086

Sandy Everett 360-202-3706

$599,000 15XXX MEADOWLARK LANE, MOUNT VERNON $ 95,000

Lovely Country home, 1.62 Fence acres, Barn, 3bd home w/ attached 1 car garage and territorial view. New carpet, vinyl, windows and slider door, Terrific soap stone wood stove plus gas fireplace, updated stainless appliances. JoAnn Boudreau Approx. 1400 sf not far between Mount 360-391-0746 Vernon and Sedro-Woolley. MLS# 865834 XXX SHANNON LAKE RD, CONCRETE $99,500

With attention to detail, wonderful home w/spectacular views of Eaglemont Golf Course! French Doors w/slate entry, Elva Hunter hardwood & carpet, living w/gas fireplace, 360-202-3086 formal dining. Fabulous gourmet kitchen solid granite island, beautiful cabinets, opens to Lg great room w/fireplace & box beam ceiling. French doors open to Large Deck that spans the entire house, overlooking the golf course. Eaglemont Community w/spectacular clubhouse & restaurant. MLS#815455 19248 HWY 9, BIG LAKE $58,900

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Heaven on Earth!

EAGLEMONT

EAGLEMONT PRE-SALE

Attractive, large lot in beautiful Eaglemont Golf Course community, close to brand new 20,000+ SF Elva Hunter clubhouse, dining and full fitness 360-202-3086 facilities. Complete plans for a beautiful home on this lot are negotiable. MLS# 475295 3004 BARRELL SPRINGS RD, BOW

Mount Baker view from one of the premier lots in beautiful Elva Hunter Eaglemont! Pre-Sale and Custom 360-202-3086 design your dream home with Irving Construction fine craftsmanship...wonderful open floor plan. Builder custom built 1806 and 1808 Bakerview Ct. # 794097 $167,000 20274 STACKPOLE RD, MOUNT VERNON $225,000

Beautiful 15.5 acres in Bow! 3 possible bldg sites, 2 w/road access. Property has been replanted & offers seclusion w/ southwesterly exposure. Well is in, just needs power & pump. Perfect property to build your custom home or put a Donna Kurras manufactured home on. MLS# 794546 360-770-7596

Home is a fixer upper. Barn is on State Historical Registry. Fantastic view and great building site on this 4.92 acre tract. Fenced. Property sets nicely on the east side of and above E. Stackpole Rd. Occupants of Danya Wolf fixer upper house are uncooperative. 360-708-8294 They also state water (dug well) is not potable.

House has 2 bedrooms;1 bath; 1056 square ft, built in 1910; effective year built is 1983; electric baseboard heat. MLS#867198

All city amenities available at street; including PUD water, electricity, natural gas, cable TV, city sewer and city garbage pick-up. Lovely Danya Wolf evergreens and deciduous trees. Over 360-708-8294 1/5 of an acre! Includes two tax parcels! MLS#863875

Let us hand you the keys to your new home!

Beautiful, peaceful setting. Imagine waking up each morning to spectacular views of Sauk Mountain, the Cascades, Skagit River & the valley below...! Enjoy privacy in a Shirley Bertholf park-like atmosphere w/panoramic 360-840-1863 views. Close to town. Nice hiking through forest w/cedar groves. What more could you ask for? MLS#175569 1804 BAKERVIEW CT. #LOT 170, MOUNT VERNON $165,000

Lake view lot in Big Lake! Tract A (P17995) a gently sloped partially wooded lot on South end of Big Lake.

Enjoy the sunsets on this 1/3 acre lot!

MLS#853972 3709 BEAL ST, BELLINGHAM 98225

Danya Wolf 360-708-8294

$1,000,000

COMMERCIAL/LIGHT INDUSTRIAL

Mount Baker view from one of the premier large lots (10972 Sq. Ft) in beautiful Eaglemont! Builder/Owner will build for you or bring your own builder!

All utilities are in and ready for you to build. Complete set of plans for a beautiful home on this lot is negotiable. Builder completed 1806 Elva Hunter and 1808 Bakerview Ct. MLS#848246 360-202-3086

2.55 acres of light industrial land located 1 block South of Meridian Street. Great Sandy Everett I-5 visibility! The parcel is currently 360-202-3706 comprised of 6 sfr, of which 4 are actively rented, generating a total monthly rental of approximately $4000.00 per month. (3713, 3711, 3709, 3705 Beal Street and 906 & 910 Baker Street) All tenants are on month to month or short term leases. This is a great opportunity to continue your revenue stream while finishing your final planning for the parcel. MLS#818713

3780 E. College Way, Mount Vernon

360.424.0300

www.skagittraditionrealty.com 12

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